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Worried about how you are going to pay your mortgage? Reach out to your lender now.
They are ready to help you get the support you need.
It’s important to contact your lender straight away if you think you might have difficulty making your mortgage repayments. The sooner you get in touch with them the better.
This includes if you are coming to the end of your fixed-rate mortgage deal and want to look at different options.
Don’t wait until you have missed a payment to contact your lender, they are ready to help even if you are up to date with your payments. The earlier you contact your lender, the more options they will have available and the sooner they will be able to help you.
Lenders have trained and experienced staff who can help you consider the different options available and find one that is most appropriate for your specific circumstances.
Simply contacting your mortgage lender to find out what options are available will not affect your credit score, but missing your payments will.
Lenders have a range of support options available to help you if you are struggling. This could include:
Help with budgeting
Temporarily reducing your mortgage payments
Changing your mortgage product
Your lender will advise on the best option for you, depending on your circumstances.
You can contact your lender by visiting their website.
Please visit your lender’s website in the first instance, where you will find more details about the support available.
You can also contact your lender by telephone and in branch.
Your lender will need some details to help identify you and your account. It would be useful to have your account number to hand when you contact them. This can be found on your monthly or annual statements, any letters you have received from your lender, or in your ‘account overview’ if you bank online.
Your lender may also ask you some questions about your income and outgoings to understand your financial circumstances, so it would also be helpful to have these handy before you make the call.
Accord MortgagesAIB (NI)Aldermore BankAllied Irish Bank (GB)BarclaysBank of Ireland UKBuckinghamshire Building SocietyCambridge Building SocietyClydesdale BankThe Co-operative BankCoutts BankCoventry Building SocietyDanske BankDarlington Building SocietyDudley Building SocietyEarl Shilton Building SocietyEcology Building SocietyFamily Building Societyfirst directFurness Building SocietyHalifaxHinkley & Rugby Building SocietyHSBCKensington MortgagesKent RelianceLeeds Building SocietyLeek Building SocietyLloyds Banking GroupLoughborough Building SocietyManchester Building SocietyMansfield Building SocietyMelton Building SocietyMetro BankMonmouthshire Building SocietyMPowered MortgagesNationwide Building SocietyNatWest GroupNewbury Building SocietyNewcastle Building SocietyNottingham Building SocietyOSB GroupPerennaPlatformPrecise MortgagesPrincipality Building SocietyProgressive Building SocietyRoyal Bank of ScotlandSantanderScottish Building SocietyScottish WidowsSkipton Building SocietySuffolk Building SocietyTeachers Building Societythe West BromTipton & Coseley Building SocietyTSBUlster BankUnited Trust BankVirgin MoneyWhistletreeYorkshire BankYorkshire Building Society
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